CN110428326A - A kind of refund monitoring method and device - Google Patents
A kind of refund monitoring method and device Download PDFInfo
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- CN110428326A CN110428326A CN201910720374.3A CN201910720374A CN110428326A CN 110428326 A CN110428326 A CN 110428326A CN 201910720374 A CN201910720374 A CN 201910720374A CN 110428326 A CN110428326 A CN 110428326A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The invention discloses a kind of refund monitoring method and device, method includes: to obtain the plan of withholing and rule of withholing that fund side generates after detecting that fund direction supplier offers a loan；According to the plan of withholing of fund side and rule of withholing, the supervision account of supplier is monitored；The account data for obtaining the supervision account of supplier carries out withholing processing or sends prompting of withholing according to account data.The embodiment of the present invention is monitored by the account to supplier, and it notifies fund side to carry out withholing processing according to account data or sends prompting of withholing, to improve fund side loan fund safety, can also prevent supplier because not such as from about repayment of bank loans due to generate more economic costs.
Description
Technical Field
The invention relates to the technical field of financial risk control, in particular to a repayment monitoring method and device.
Background
With the continuous development of the overall economic level of China and the coming of relevant policies for supporting the entity economy, small and medium-sized micro-enterprises become indispensable strength for the social economic development.
The existing small and medium enterprises are used as suppliers of core enterprises, and due to the fund planning problem of the core enterprises, the core enterprises receive goods of the supplier enterprises, and the payment of the goods is usually delayed to pay to the supplier enterprises. Since the fund flow of small and medium-sized micro-enterprises as suppliers is likely to be problematic, it is necessary to make a loan on a fund side such as a bank.
The funder assesses the economic status of the supplier and then issues a loan. However, in the prior art, after the supplier receives the goods payment of the core enterprise after loan, the supplier cannot return the loan of the fund party in time, so that the fund recovery pressure of the fund party is increased, and the fund risk of the fund party is improved.
Accordingly, the prior art is yet to be improved and developed.
Disclosure of Invention
In view of the above-mentioned deficiencies of the prior art, the present invention provides a repayment monitoring method and device, aiming to solve the problems of increasing the fund recovery pressure of the fund party and increasing the fund risk of the fund party in the prior art because the supplier receives the payment of the core enterprise after loan and returns the loan of the fund party in time.
The technical scheme of the invention is as follows:
a repayment monitoring method for use in funding a loan from a supplier, the method comprising:
after detecting that the supplier of the fund side provides loan, obtaining a deduction plan and deduction rules generated by the fund side;
monitoring a supervision account of a supplier according to a deduction plan and deduction rules of a fund party;
and acquiring account data of a supervision account of the supplier, and carrying out deduction processing or sending a deduction prompt according to the account data.
Optionally, after detecting that the funding party provides a loan to the supplier, before obtaining a deduction plan and deduction rules generated by the funding party, the method includes:
creating a loan project, and judging whether the signing of the loan project is successful or not;
if the loan item is signed successfully, inputting loan data to generate a deduction plan and deduction rules.
Optionally, the obtaining a deduction plan and a deduction rule generated by the funding party after detecting that the funding party provides a loan to the supplier, further includes:
creating a loan project, and judging whether a supplier distributes service charge of a fund monitoring platform;
if the service fee of the fund allocation monitoring platform of the supplier is detected, generating a service fee deduction plan and a service fee deduction rule;
judging whether the signing of the loan item is successful, and if the signing of the loan item is successful, inputting loan data;
and generating a deduction plan and a deduction rule according to the deposit data.
Optionally, the monitoring the supervision account of the supplier according to the deduction plan and the deduction rule of the fund party includes:
and if the deduction rule of the fund party is detected to be payment in advance, monitoring the income of the supervision account of the supplier.
Optionally, the obtaining account data of a monitoring account of a supplier, and performing a deduction process or sending a deduction reminder according to the account data includes:
detecting that the monitoring account of the supplier has income entering account, and generating income entering account reminding;
judging whether to deduct money, if so, carrying out money deduction processing according to the income payment reminding, and finishing monitoring the supervision account;
and if the deduction is not carried out, the reminding is ignored.
Optionally, if the deduction rule of the fund party is one of an expired deduction, an overdue donation and a service fee deduction,
the acquiring account data of the supervision account of the supplier, and carrying out deduction processing or sending a deduction prompt according to the account data comprises the following steps:
acquiring account data of a supervision account of a supplier, and sending a deduction instruction;
judging whether the payment plan is successful;
if the payment is successful, ending the payment plan and ending the monitoring;
and if the monitoring fails, continuing to monitor the supervision account of the supplier.
Optionally, the account data includes account information, account balances, account balance history, account running and account running history.
Another embodiment of the present invention provides a payment monitoring apparatus, the apparatus comprising at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein,
the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the payment monitoring method described above.
Yet another embodiment of the present invention provides a non-transitory computer-readable storage medium storing computer-executable instructions that, when executed by one or more processors, cause the one or more processors to perform the payment monitoring method described above.
Another embodiment of the present invention provides a computer program product comprising a computer program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions which, when executed by a processor, cause the processor to perform the above-described payment monitoring method.
Has the advantages that: compared with the prior art, the payment monitoring method and device provided by the embodiment of the invention have the advantages that the account of the supplier is monitored, and the fund deduction processing or the deduction reminding is sent to the fund party according to the account data, so that the loan fund safety of the fund party is improved, and more economic cost caused by the fact that the supplier does not return the loan in the order of the order can be prevented.
Drawings
The invention will be further described with reference to the accompanying drawings and examples, in which:
FIG. 1 is a flow chart of a payment monitoring method according to a preferred embodiment of the present invention;
fig. 2 is a schematic diagram of a hardware structure of a payment monitoring apparatus according to a preferred embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and effects of the present invention clearer and clearer, the present invention is described in further detail below. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention. Embodiments of the present invention will be described below with reference to the accompanying drawings.
The embodiment of the invention provides a payment monitoring method. The repayment monitoring method of the embodiment of the invention is applied to the supply of loan to suppliers by fund directions. Wherein the funding party may be a financial institution such as a bank. The supplier is a medium-sized and small-sized enterprise, and further is a supplier for providing goods sources for core enterprises. Referring to fig. 1, fig. 1 is a flowchart illustrating a payment monitoring method according to a preferred embodiment of the present invention. As shown in fig. 1, it includes the steps of:
step S100, obtaining a deduction plan and a deduction rule generated by a fund side after detecting that the fund side provides loan for a supplier;
s200, monitoring a supervision account of a supplier according to a deduction plan and a deduction rule of a fund party;
and step S300, acquiring account data of a supervision account of a supplier, and carrying out deduction processing or sending a deduction prompt according to the account data.
In particular implementations, the account data includes account information, account balances, account balance history, account flow, and account flow history.
The repayment monitoring method in the embodiment of the invention can be used for a platform for fund monitoring, for example, the repayment monitoring method can be used for an enterprise e-fund service platform, the enterprise e-fund service platform is also provided with a data center, a monitoring center and a cross-bank cash management cloud platform, and the data center is used for configuring the data of the whole enterprise e-fund service platform, maintaining the basic data and receiving the configured data according to the configuration of a client. The monitoring center is used for monitoring and deducting the supplier account, and the cross-bank cash management cloud platform is used for being in butt joint with the supplier account.
The account of the supplier is monitored, and the fund deduction is informed to the fund party according to the account data or the fund deduction reminding is sent, so that the loan fund safety of the fund party is improved, and the condition that the supplier generates more economic cost such as late fund and the like because of not returning the loan in the order of the seller can be prevented.
In a further embodiment, after detecting that the supplier of the fund offers the loan, before obtaining the deduction plan and the deduction rule generated by the fund supplier, the method comprises the following steps:
creating a loan project, and judging whether the signing of the loan project is successful or not;
if the loan item is signed successfully, inputting loan data to generate a deduction plan and deduction rules.
In the implementation, a loan item is created in advance through the data center, and the loan item is generated by a loan request from a supplier with funds. If the fund party does not have the problem of the loan request of the approval supplier, the loan item is judged to be signed successfully, the loan data is input into the fund monitoring platform, and a deduction plan and a deduction rule are generated according to the loan data.
Further, after detecting that the supplier of the fund provides the loan, obtaining a deduction plan and deduction rules generated by the fund supplier, the method further comprises the following steps:
creating a loan project, and judging whether a supplier distributes service charge of a fund monitoring platform;
if the service fee of the fund allocation monitoring platform of the supplier is detected, generating a service fee deduction plan and a service fee deduction rule;
judging whether the signing of the loan item is successful, and if the signing of the loan item is successful, inputting loan data;
and generating a deduction plan and a deduction rule according to the deposit data.
In specific implementation, a data center creates a loan project, a supplier needs to share server fee, a service fee deduction plan and rules are generated, and the service fee deduction plan and the rules are pushed to a monitoring center; the monitoring center receives a service fee deduction plan and rules; the data center records loan data after the loan item is signed successfully, generates a deduction plan and rules and pushes the deduction plan and the rules to the monitoring center; the monitoring center receives the deduction plan and the rules and executes the deduction plan. And the monitoring center is in butt joint with the inter-bank cash management cloud platform to obtain the data.
In some other embodiments, monitoring the regulatory account of the supplier according to the deduction plan and the deduction rule of the fund party includes:
and if the deduction rule of the fund party is detected to be payment in advance, monitoring the income of the supervision account of the supplier.
In specific implementation, if the deduction rule agreed by the fund party and the supplier is advance payment, corresponding deduction or income payment prompting can be carried out as long as income payment is monitored in the account of the supplier.
Further, acquiring account data of a supervision account of a supplier, and performing deduction processing or sending a deduction reminder according to the account data, comprising:
detecting that the monitoring account of the supplier has income entering account, and generating income entering account reminding;
judging whether to deduct money, if so, carrying out money deduction processing according to the income payment reminding, and finishing monitoring the supervision account;
and if the deduction is not carried out, the reminding is ignored.
In specific implementation, the matching mode corresponding to the income intake prompting comprises accurate matching and fuzzy matching, and the prompting can be income intake prompting or prompting processing. And if the data center detects the income payment reminding, judging whether to deduct money, if so, reminding to deduct money, carrying out money deduction processing by the monitoring center, and if not, ignoring the reminding.
Further, the revenue billing identification is for advance payment (only advance payment revenue billing identification is useful);
there are 4 types of revenue income recognition rules for a while:
reminding rule 1: when the name of the payment account is consistent and the payment amount is inconsistent, only prompting the fund party, and the payment party pays the supplier;
reminding rule 2: when the payment amounts are completely consistent and the payment account names are not consistent, only prompting the fund party, and the payment party pays the supplier;
money transfer rule 3: when the system monitors that the name of the payment account is consistent with the payment amount, the system can immediately deduct the information of the fund party;
money transfer rule 4: when the system monitors that the payment remarks are consistent, the intrinsic interest of the fund side can be immediately deducted.
If the advance repayment rule is fixed interest, calculating the fixed interest according to the fixed interest set in the deduction plan market;
if the user selects a money transfer rule, the inter-bank cash management cloud platform monitors that the money transfer account of the money-melting party is checked in and meets the money transfer rule, recalculates the interest according to the money-returning interest calculation rule in advance and generates an execution deduction instruction, and updates the money transfer plan to the enterprise fund costume;
if the user selects a reminding rule, the cross-bank cash management cloud platform monitors that the repayment account of the financing party is credited and meets the reminding rule, and the cross-bank cash management cloud platform sends income entering reminding early warning information to the enterprise e-cash garment;
if a plurality of accurate matching entry running water exist, the first accurate entry running water record is removed to generate income entry reminding information in the deduction process.
The specific implementation method of the early deduction comprises the following steps:
acquiring a today deduction plan, an unfinished deduction plan, unfinished deduction rules and a deduction plan account income flow; the monitored accounts comprise a deduction account and a supervision account;
judging whether a today deduction plan exists; if no today deduction plan exists, judging whether accurate matching is generated; if the accurate matching is generated, storing the modified in-transit amount of the current plan, judging whether a reminding record is generated, and if so, storing reminding information; if the precise matching is not generated, judging whether a reminding record is generated or not, and if the reminding record is generated, storing reminding information;
if the money deduction plan exists today, the money deduction rule and the money deduction plan exist, and the plan does not expire, whether the account flow related to the current plan exists or not is judged;
if the current plan related account flow does not exist, continuing to judge whether a today deduction plan exists, if the current plan related account flow exists and the flow is reminded, judging whether the income payment amount is larger than the minimum deduction amount or not, and if the income payment amount is larger than the interest to be deducted; judging whether the deduction rule contains an accurate matching rule and meets the accurate matching rule; wherein, accurate matching means that when the system monitors that the name of the payment account is consistent with the payment amount, the system monitors that the remarks of payment are consistent, fuzzy matching: when the payment account names are consistent and the payment amounts are inconsistent, only prompting, when the payment amounts are completely consistent and the payment account names are inconsistent, only prompting;
if the deduction rule contains the accurate matching rule and meets the accurate matching rule, and the current plan generates accurate matching, calculating the deduction amount, generating a reminding record, generating a payment sheet, pushing the payment sheet to a fund system, modifying the in-transit amount in the today deduction plan, and continuously judging whether the current plan account has running water or not;
if the deduction rule does not contain the accurate matching rule and/or does not meet the accurate matching rule, generating a reminding record, and continuously judging whether the current plan account has running water or not;
if the deduction rule does not contain the accurate matching rule and/or does not meet the accurate matching rule, judging whether the deduction rule contains the fuzzy matching rule and meets the fuzzy matching rule;
if the deduction rule comprises a fuzzy matching rule and meets the fuzzy matching rule, generating a reminding record, and continuously judging whether the current plan account has running water or not;
and if the deduction rule does not contain the fuzzy matching rule and/or does not meet the fuzzy matching rule, continuously judging whether the current plan account has running water or not.
Further, if the deduction rule of the fund party is one of an expired deduction, an overdue donation and a service fee deduction,
the acquiring account data of the supervision account of the supplier, and carrying out deduction processing or sending a deduction prompt according to the account data comprises the following steps:
acquiring account data of a supervision account of a supplier, and sending a deduction instruction;
judging whether the payment plan is successful;
if the payment is successful, ending the payment plan and ending the monitoring;
and if the monitoring fails, continuing to monitor the supervision account of the supplier.
In specific implementation, if the deduction rule of the fund party is one of due deduction, overdue donation and service fee deduction, if the monitoring center sends a deduction instruction, the deduction instruction specifically comprises sending a payment instruction and processing a payment result. Judging whether the payment plan is successful, if so, ending the payment plan, finishing the project when the data center monitors that the payment plan is ended, finishing the project, ending the monitoring by the monitoring center, and finishing the project by the data center; if the payment plan fails, the monitoring process continues.
Wherein the payment plan includes interest calculation at the time, payment rule maintenance and payment plan payment; payment plan payments include due date payments, overdue payments, and service fee payments.
The payment due rule specifically comprises the following steps: the due deduction is operated according to the account balance and is irrelevant to the account running; the account amount must meet the minimum deduction amount, and the minimum reserved amount of the account must be reserved for deduction when deduction is generated; and when the deduction amount is insufficient, the amount in the collection account is collected into the deduction account to generate a collection instruction.
The procedure of deducting money due specifically comprises the following steps:
acquiring account balance (the amount of the payment bill deducted in transit), acquiring a deduction plan with a due date as the current date, acquiring a deduction rule with the due date as the current date, and acquiring an unfinished deposit plan (the payment bill in transit) of the deduction plan with the due date as the current date; judging whether a deduction plan exists or not;
if no deduction plan exists, ending the process;
if the deduction plan exists, circulating according to the deduction plan, calculating the amount to be deducted (the amount to be deducted is the deduction amount of the unreturned money + the unreturned interest-deduction on the way, the deduction on the way does not include the on-way amount of the collection instruction, the interest calculation rule is calculated according to the rule setting, the detailed rule refers to the interest calculation rule on the day), judging whether the deduction account amount in the deduction plan is larger than the minimum deduction amount in the deduction rule or not,
if the deduction account amount in the deduction plan is larger than the minimum deduction amount in the deduction rule, generating a payment bill object, calculating the payment amount (the account amount is the account amount-the minimum reserved amount, the payment amount is the amount to be deducted if the account amount is larger than the amount to be deducted, and the payment amount is the account amount if the account amount is smaller than the amount to be deducted), and pushing the payment bill to the cross-bank cash management cloud platform;
if the deduction account amount in the deduction plan is smaller than the deduction account amount in the deduction plan, judging whether the deduction account amount in the deduction plan is smaller than the money to be deducted or not;
and if the deduction account amount in the deduction plan is smaller than the deduction amount to be deducted, calculating the account amount needing to be collected, if a plurality of collectable accounts exist, distributing the collected amount, generating a collection instruction, pushing the collection instruction to a cloud fund system, and continuously acquiring the deduction plan (if the account amount is smaller than the lowest deduction amount, the deduction plan is required to be confirmed).
The overdue deduction rule specifically comprises the following steps: the overdue deduction is carried out according to the account balance and is irrelevant to the running water; in the overdue deduction, the sum of the interest before the due date and the fund is the overdue fund, and the overdue interest is calculated after the due date; if the interest is overdue, the overdue interest amount is calculated according to overdue according to the unexpired amount of the unexpired interest when the interest is overdue, the principal is calculated according to overdue after the due date, and the collection operation is carried out when the amount is insufficient; the overdue interest amount is calculated by the interest module on the day, and the interest calculation operation is not performed during deduction.
The specific process of overdue deduction is as follows:
acquiring all overdue objects in the money deduction plan on the same day, acquiring the overdue money deduction plan, acquiring overdue money deduction rules, acquiring money deduction account and collectible account information and acquiring related money deduction lists on the way; judging whether a overdue plan on the current day exists;
if the current day overdue plan exists, the sum of money to be deducted is the sum of interest of principal in the current deduction plan and interest of principal in transit, and the account balance is the account balance-the lowest reserved sum; judging whether the account balance is larger than the lowest deduction amount in the rule or not;
if the account balance is judged to be larger than the lowest deduction amount in the rule, generating a payment bill; judging whether the account balance is larger than the amount to be deducted, if not, judging whether the due date in the current rule is smaller than the current date, and the deduction amount is larger than the account amount;
if the due date in the current rule is less than the current date, the sum of the payment bill is equal to the sum to be deducted; if the due date in the current rule is larger than or equal to the current date, the sum of the payment bill is equal to the account balance;
pushing a payment bill to a cross-bank cash management cloud platform, and recording and modifying the daily interest record;
judging whether the due date in the current rule is smaller than the current date and the deduction amount is larger than the account balance; if the due date in the current rule is smaller than the current date and the deduction amount is larger than the account balance, acquiring a collection instruction in the way, calculating the amount to be collected, distributing the collection amount to each account according to the collection account balance, generating a collection instruction for the account needing to be distributed, pushing the collection instruction to a cloud fund system, and continuously judging whether an overdue plan on the current date exists or not;
if the overdue plan of the current day does not exist, judging whether the money deduction operation occurs, if the money deduction operation occurs, updating the amount of money on the way of the money deduction on of the current day, and if the money deduction operation does not occur, ending the operation.
The service fee is subjected to deduction operation according to the running monitoring of the account, and deduction operation is performed after successful payment putting is monitored in the running monitoring of the account; the deduction instruction is sent again when the deduction of the service fee fails until the deduction is completed; and the service fee is deducted according to the account balance, multiple deduction records may occur, and the plan state of the service fee is modified after deduction is completed.
The service fee deduction process comprises the following steps:
acquiring a service fee plan, acquiring a service fee rule, acquiring service fee deduction account information, acquiring service fee deduction account flow and acquiring service fee on-the-way deduction bill information; judging whether a service fee plan exists or not;
if the service fee plan exists, calculating the service fee withholding amount (the service fee withholding amount is the service fee withholding amount-the in-transit service fee amount), and generating a payment sheet;
judging whether the sum of the service fee to be deducted is not equal to 0 and the account flow related to the service fee exists;
if the sum of the service fee to be deducted is not equal to 0 and account running water related to the service fee exists, sending a service fee deduction instruction; and if the amount to be deducted of the service fee is 0 and/or account running water related to the service fee does not exist, judging whether running water with successful payment putting exists in the running water, if the running water with successful payment putting exists, sending a service fee deduction instruction, and if the running water with successful payment putting does not exist, continuously judging whether a service fee plan exists.
Further, the implementation of the invention also comprises the pushing of the payment bill. After the payment bill is successfully pushed, the payment bill is successfully sent to the cross-bank cash management cloud platform and does not represent successful payment; the payment single result needs to be inquired for many times to obtain a final result; if the payment order is returned in the cross-bank cash management cloud platform, the monitoring system defaults to payment failure, and the payment order is renewed according to program logic; the payment single result is processed differently according to different ordering methods; the payment bill pushing and result obtaining are developed according to the cross-bank cash management cloud platform interface, other cross-bank cash management cloud platforms are accessed in the later period to wait for secondary development,
the bill of payment processing flow is as follows:
the monitoring center generates a payment bill (the payment bill is accurate in matching in income posting reminding or manual deduction, due deduction, overdue deduction and service fee deduction) according to the program, and sends the payment bill to the cross-bank cash management cloud platform through the cross-bank cash management cloud platform erp interface;
receiving the payment order by the inter-bank cash management cloud platform, and butting a bank to obtain a payment result;
the monitoring center processes the result after obtaining the payment result and judges whether the deduction is successful;
if the payment is unsuccessful, modifying the in-transit amount in the deduction plan on the current day if the payment is generated according to the planned amount on the current day; if the bill is generated in the running water, modifying the income posting reminding record;
if the deduction is successful, the income payment prompting is carried out, the deduction or manual deduction is accurately matched, if the deduction is successful, the interest plan in the deduction plan is invalidated, the amount to be deducted in the deduction plan is modified, the amount in transit and the amount to be deducted in the deduction plan on the same day are modified, and the income payment prompting is recorded;
if the payment is due and the donation is overdue, the amount to be deducted in the deduction plan is modified, if all the deductions are successful, the deduction plan and the deduction rule are modified, the amount of the deduction is recorded, interest is deducted firstly, and then principal money is deducted.
If the service fee deduction is carried out, the service fee deduction plan to-be-deducted amount is modified, and the service fee is modified to be ended when the service fee to-be-deducted amount is 0.
Still further, the interest calculation method in the embodiment of the present invention is specifically as follows: if the interest calculation rule is a normal condition:
the disposable deduction interest-bearing calculation formula is as follows: annual interest rate days (repayment day-deposit day)/360 of repayment amount;
monthly payment due is also the interest calculation formula:
in the first period: annual interest rate days (first withholding day-deposit day)/360 of repayment amount;
the middle stages: annual interest rate days (this withholding day-last withholding day)/360;
the last stage: annual interest rate days (repayment day-last withholding day)/360.
Rules of paying interest in advance:
the repayment type is due information, and if the amount of the refund is enough to pay the due information after the reserved money is subtracted, the repayment type is
Interest is not paid in this gold year rate days (payment date in advance-deposit date)/360;
if the interest is fixed (if the interest is fixed, calculating according to the fixed interest); if the amount of the returned money is enough to pay interest and not enough to pay principal money after deducting the pre-trade money
Interest is not paid in this year rate days (payment date in advance-last payment date or payment release date)/360;
the repayment amount is the total amount of the money returned and interest;
the remaining sum is the sum of the last time of money and the current money of money;
the repayment type is monthly payment, and if the repayment amount is enough to pay the original information after the reserved money is subtracted, the repayment type is
Interest is the annual interest rate days (the date of repayment in advance-the last interest deduction date or the date of deposit)/360;
if the amount of the returned money is enough to pay interest and not enough to pay principal after deducting the pre-trade money, then
The interest is not yet paid for the rate of interest days (the date of repayment in advance-the date of last deduction or the date of deposit)/360;
the repayment amount is the total amount of the money returned and interest;
the remaining sum of money is the last non-principal money-the current sum of money; wherein
If the payment date is the first time, the last payment date is the payment date; the overdue interest calculation rule is: if the amount of the account after deducting the reserve is sufficient to pay the overdue interest,
the number of overdue annual interest rate days (current overdue repayment date-last overdue repayment date or due repayment date) without repayment of the rest)/360;
if the account amount is not enough to pay overdue interest after deducting the reserve money, the calculation rule of the overdue interest after paying the overdue interest is as follows:
overdue interest (last due overdue interest-last due overdue interest) + number of overdue annual interest days (current overdue repayment day-last overdue repayment day)/360;
if the account amount is not enough to pay the current interest after the reserved money is subtracted, the interest is deducted at overdue, the payment is calculated according to the payment-in-advance interest rule of due payment before the date of the payment, and the payment date is calculated according to the overdue interest rule; wherein, when interest is calculated, the head and tail of the day are not calculated, 1 month and 1 day are borrowed, 1 month and 2 days are returned, and the number of days is 1; and the interest on the day only calculates the incomplete deduction plan and rules when the scheduling center calls, and if the deduction plan is generated on the day, the deduction plan on the day is not generated according to the method.
The overdue repayment process comprises the following steps:
acquiring an unfinished deduction rule, acquiring an unfinished deduction plan, acquiring an in-transit payment bill, and judging whether the unfinished deduction rule exists or not;
if the unfinished withholding rule exists, judging whether a matched unfinished withholding rule exists;
if the matched unfinished deduction rule exists, judging whether a matched unfinished principal deduction plan exists;
if the matched incomplete principal deduction plan exists, judging whether the deduction plan is a sum of interest and is on the way;
if the deduction plan is that interest is settled and on the way, calculating unfinished principal, calculating the amount of the principal in the way and generating the plan today;
if the deduction plan is not that the interest is settled on the way, judging whether the current date is before the due date or not, and if the current date is before the due date, judging whether the interest is fixed in the rule or not; if the rule is a fixed interest, obtaining the amount of unfinished interest, and if the rule is not the fixed interest, calculating the current interest; recording the current principal, calculating the principal and interest in the current journey, and generating the plan of this day;
if the current date is the due date, judging whether the rule is a fixed interest, if so, acquiring the amount of unfinished interest, and if not, calculating overdue interest; (overdue interest rate calculates overdue repayment according to overdue interest rate rules in the rules, normal interest, overdue repayment according to fine); recording overdue principal, calculating principal and interest of overdue future, marking rules and plans as overdue, and generating a plan of today;
judging whether interest is overdue or not, if yes, abandoning the unfinished interest plan, and recalculating interest to be deducted according to the overdue interest rate; continuously judging whether unfinished deduction rules exist or not;
if the incomplete deduction rule does not exist, clearing all records of the today deduction plan, judging whether the today plan is generated, if the today plan is generated, saving the today plan, judging whether an overdue plan or rule exists, if the overdue plan or rule exists, updating the deduction plan and rule, and if the overdue plan or rule does not exist, ending.
It should be noted that, in the foregoing embodiments, a certain order does not necessarily exist among the steps, and it can be understood by those skilled in the art according to the description of the embodiments of the present invention that, in different embodiments, the steps may have different execution orders, that is, may be executed in parallel, may be executed interchangeably, and the like.
Another embodiment of the present invention provides a payment monitoring apparatus, as shown in fig. 2, the apparatus 10 includes:
one or more processors 110 and a memory 120, where one processor 110 is illustrated in fig. 2, the processor 110 and the memory 120 may be connected by a bus or other means, and the connection by the bus is illustrated in fig. 2.
Processor 110 is used to implement the various control logic of apparatus 10, which may be a general purpose processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA), a single chip microcomputer, an ARM (Acorn RISCMache) or other programmable logic device, discrete gate or transistor logic, discrete hardware components, or any combination of these components. Also, the processor 110 may be any conventional processor, microprocessor, or state machine. Processor 110 may also be implemented as a combination of computing devices, e.g., a combination of a DSP and a microprocessor, a plurality of microprocessors, one or more microprocessors in conjunction with a DSP core, or any other such configuration.
The memory 120 is a non-volatile computer-readable storage medium, and can be used to store non-volatile software programs, non-volatile computer-executable programs, and modules, such as program instructions corresponding to the payment monitoring method in the embodiment of the present invention. The processor 110 executes various functional applications and data processing of the apparatus 10 by executing the nonvolatile software programs, instructions and units stored in the memory 120, namely, implements the payment monitoring method in the above method embodiment.
The memory 120 may include a storage program area and a storage data area, wherein the storage program area may store an application program required for operating the device, at least one function; the storage data area may store data created according to the use of the device 10, and the like. Further, the memory 120 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some embodiments, memory 120 optionally includes memory located remotely from processor 110, which may be connected to device 10 via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
One or more units are stored in the memory 120, and when executed by the one or more processors 110, perform the payment monitoring method in any of the above-described method embodiments, e.g., performing the above-described method steps S100-S300 in fig. 1.
Embodiments of the present invention provide a non-transitory computer-readable storage medium storing computer-executable instructions for execution by one or more processors, for example, to perform method steps S100-S300 of fig. 1 described above.
By way of example, non-volatile storage media can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), electrically erasable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM), which acts as external cache memory. By way of illustration and not limitation, RAM is available in many forms such as Synchronous RAM (SRAM), dynamic RAM, (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchlink DRAM (SLDRAM), and Direct Rambus RAM (DRRAM). The disclosed memory components or memory of the operating environment described herein are intended to comprise one or more of these and/or any other suitable types of memory.
Another embodiment of the present invention provides a computer program product comprising a computer program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions which, when executed by a processor, cause the processor to perform the payment monitoring method of the above-described method embodiment. For example, the method steps S100 to S300 in fig. 1 described above are performed.
The above-described embodiments are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the scheme of the embodiment.
Through the above description of the embodiments, those skilled in the art will clearly understand that the embodiments may be implemented by software plus a general hardware platform, and may also be implemented by hardware. Based on such understanding, the above technical solutions essentially or contributing to the related art can be embodied in the form of a software product, which can be stored in a computer-readable storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and includes several instructions for enabling a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the methods of the various embodiments or some parts of the embodiments.
Conditional language such as "can," "might," or "may" is generally intended to convey that a particular embodiment can include (yet other embodiments do not include) particular features, elements, and/or operations, among others, unless specifically stated otherwise or otherwise understood within the context as used. Thus, such conditional language is not generally intended to imply that features, elements, and/or operations are in any way required for one or more embodiments or that one or more embodiments necessarily include logic for deciding, with or without student input or prompting, whether such features, elements, and/or operations are included or are to be performed in any particular embodiment.
What has been described herein in the specification and drawings includes examples that can provide a payment monitoring method and apparatus. It will, of course, not be possible to describe every conceivable combination of components and/or methodologies for purposes of describing the various features of the disclosure, but it can be appreciated that many further combinations and permutations of the disclosed features are possible. It is therefore evident that various modifications can be made to the disclosure without departing from the scope or spirit thereof. In addition, or in the alternative, other embodiments of the disclosure may be apparent from consideration of the specification and drawings and from practice of the disclosure as presented herein. It is intended that the examples set forth in this specification and the drawings be considered in all respects as illustrative and not restrictive. Although specific terms are employed herein, they are used in a generic and descriptive sense only and not for purposes of limitation.
Claims (10)
1. A payment monitoring method for use in providing a loan to a supplier from a funding party, the method comprising:
after detecting that the supplier of the fund side provides loan, obtaining a deduction plan and deduction rules generated by the fund side;
monitoring a supervision account of a supplier according to a deduction plan and deduction rules of a fund party;
and acquiring account data of a supervision account of the supplier, and carrying out deduction processing or sending a deduction prompt according to the account data.
2. The payment monitoring method of claim 1, wherein the step of obtaining a deduction plan and deduction rules generated by the funding party after detecting that the funding party provides a loan to the supplier comprises:
creating a loan project, and judging whether the signing of the loan project is successful or not;
if the loan item is signed successfully, inputting loan data to generate a deduction plan and deduction rules.
3. The repayment monitoring method according to claim 1, applied to a fund monitoring platform, for obtaining a deduction plan and deduction rules generated by a fund party after detecting that the fund party provides a loan to a supplier, further comprising:
creating a loan project, and judging whether a supplier distributes service charge of a fund monitoring platform;
if the service fee of the fund allocation monitoring platform of the supplier is detected, generating a service fee deduction plan and a service fee deduction rule;
judging whether the signing of the loan item is successful, and if the signing of the loan item is successful, inputting loan data;
and generating a deduction plan and a deduction rule according to the deposit data.
4. The payment monitoring method of claim 1, wherein the monitoring of the administrative account of the supplier according to the deduction plan and the deduction rule of the funder comprises:
and if the deduction rule of the fund party is detected to be payment in advance, monitoring the income of the supervision account of the supplier.
5. The payment monitoring method of claim 4, wherein the obtaining account data of the administrative account of the supplier, and the processing of the deduction or the sending of the deduction reminder according to the account data comprises:
detecting that the monitoring account of the supplier has income entering account, and generating income entering account reminding;
judging whether to deduct money, if so, carrying out money deduction processing according to the income payment reminding, and finishing monitoring the supervision account;
and if the deduction is not carried out, the reminding is ignored.
6. The payment monitoring method of claim 3, wherein if the deduction rule of the funding party is one of an expired deduction, an overdue contribution and a deduction of a service fee,
the acquiring account data of the supervision account of the supplier, and carrying out deduction processing or sending a deduction prompt according to the account data comprises the following steps:
acquiring account data of a supervision account of a supplier, and sending a deduction instruction;
judging whether the payment plan is successful;
if the payment is successful, ending the payment plan and ending the monitoring;
and if the monitoring fails, continuing to monitor the supervision account of the supplier.
7. A payment monitoring method as in any one of claims 1-6, wherein the account data includes account information, account balances, account balance history, account running and account running history.
8. A payment monitoring device, the device comprising at least one processor; and the number of the first and second groups,
a memory communicatively coupled to the at least one processor; wherein,
the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the payment monitoring method of any one of claims 1-7.
9. A non-transitory computer-readable storage medium storing computer-executable instructions that, when executed by one or more processors, cause the one or more processors to perform the payment monitoring method of any one of claims 1-7.
10. A computer program product, characterized in that the computer program product comprises a computer program stored on a non-volatile computer-readable storage medium, the computer program comprising program instructions that, when executed by a processor, cause the processor to perform the payment monitoring method of any one of claims 1-7.
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| CN201910720374.3A CN110428326A (en) | 2019-08-06 | 2019-08-06 | A kind of refund monitoring method and device |
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Application publication date: 20191108 |